Active housing financing clients
36,100+
Housing Loan
As part of our commitment to supporting national projects, we at QDB committed to facilitate your access to suitable housing through the fastest and most efficient means by simplifying loan procedures and streamlining the design and construction process.
The journey begins with submitting your application to the Housing Department at the Ministry of Social Development and Family, followed by obtaining the loan and then benefiting from our services on the national platform “Binaa” to implement your home construction project.
From the very first day of your journey to building the home of your dreams, we will be with you every step of the way until the successful completion of your project.
Outstanding amounts to date (QAR)
27Bn
The national platform Binaa
The national platform Binaa is an integrated platform launched by QDB to simplify and enhance the home-building experience for housing loan beneficiaries in Qatar. The platform offers comprehensive solutions, from selecting contractors and consultants to providing ready-to-build home designs, contributing to improved efficiency in housing project execution and ensuring transparency at all stages.
Application process
Key Steps to Getting Started
For Housing Loan Applications
You can download the required documents and specific conditions for each type of loan
Construction Loan Application
Purchase Loan Application
Demolition and Reconstruction Loan Application
Installation Grant Loan Application
Portal to App
We have evolved our digital customer experience, moving from our previous portal to introducing a more streamlined and accessible mobile app
Kindly login using mobile app, access through portal is no longer available
Click the button to download and install the app from iOS/Android stores
Frequently Asked Questions
What is the size of the housing financing amount for the Qatari citizen?
One million and two hundred thousand Qatari Riyals (QAR 1,200,000)
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Does QDB charge any annual interest on the housing financing?
Not an interest, but rather a management fee of 1% distributed over the entire repayment period.
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What is the value of the monthly installment to repay the housing financing ?
The monthly installment is QR 3364.
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When is the monthly premium collected?
Two years subsequent to the loan contract signing or immediately upon receipt of the full amount of the loan (whichever is earlier).
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What is the Financing repayment period?
35 years
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Are there cases that are exempted from the repayment of the monthly installments? What are the procedures?
Under the Housing Law, in case of death or total disability, the applicant will be exempted of 50% of the remaining amount, and the administrative fees shall be cancelled. These procedures are implemented after the approval of the Housing Department at the Ministry.
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Are there exceptions to postpone the monthly installment?
There is no article under the Housing Law to allow the postponement of monthly installments
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Can Citizens receive a grant for furniture? Are there any monthly installments or fees, and how can I receive the payment?
Yes, citizens are given a grant of furniture worth QR 50,000, depending on the type of the loan (House Purchase or House Building only). The grant is free and does not entail any premiums or fees and shall be paid after the disbursement of the entire loan amount.
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Is it required to submit a house design with area and construction specifics?
Yes, but you must obtain the approval and authorization of the Ministry of Municipality (Building Permit).
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Can I pay the full amount of the financing before the end of the specified period in the contract? What is the procedure for doing so?
The financing can be repaid at any time after it is received in full, but the preventive clause of disposal (under the Housing Law #2 of 2007 / Ministry Of Administrative Development, Labor & Social Affairs) shall not be lifted before 15 years from the date of completion of the construction.
Should the applicant wish to pay early before the conclusion of the contract term, they are able to do so by depositing the remaining amount in the account of Qatar Development Bank. A letter of the mortgage release is issued and delivered to the client.
Should the applicant wish to pay early before the conclusion of the contract term, they are able to do so by depositing the remaining amount in the account of Qatar Development Bank. A letter of the mortgage release is issued and delivered to the client.
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Can I replace my mortgaged house to the Housing Department and Qatar Development bank with another one?
For such matters, applicant must follow up with the ministry of urban planning, Housing Department, who will formally address the bank to initiate the necessary procedures.
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Can I sell the house if I pay the full amount of the financing ?
Sale of the house or transfer of its ownership to another person is regulated under the Housing Law no. 2 of the year 2007, Article (10), which stipulates that the owner shall not do so before 15 years from the date of construction completion.
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Does QDB have any other branches to follow up with on matters related to the housing financing? What are the working hours?
Official Working Hours:
Morning Shift:
Head Office – Grand Hamad Street
Sunday to Thursday
From 7:30 AM to 1:00 PM
Evening Shift:
Housing Office – Centro Shopping Mall, Rawdat Al Hamama
Sunday to Thursday
From 3:00 PM to 6:00 PM
You can also download the housing financing application on your mobile phone, which offers you a wide range of services tailored for housing financing customers, or contact us via the call center, from Sunday to Thursday, 7.30am to 2.30pm
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How can I pay any delayed installments?
Delayed installments must be checked through the call center, or through the e-service on the Mobile Phone App. Payments can be made afterwards at any branch of Qatar National Bank (QNB), and payment receipts must be submitted to QDB.
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How do I get a payment form in case of construction?
All forms are available on the Bank's website and can be obtained by visiting the Housing Loan Department, and via the mobile application to apply for the required payment electronically.
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How is the financing amount disbursed?
Transactions for construction: The loan amount is disbursed in installments in accordance with the building and construction stages.
Transactions for purchase: The amount is paid directly to the house owner's account (the seller) after registration of the property under the name of the new owner (the buyer or the beneficiary) is complete.
Transactions for purchase: The amount is paid directly to the house owner's account (the seller) after registration of the property under the name of the new owner (the buyer or the beneficiary) is complete.
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Is there a guarantee system in case the applicant cannot afford the monthly installment?
The Housing Law stipulates that all loans shall be granted to those who are capable of repayment.
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What are the terms and conditions for buying an existing house?
i. The size of the land on which the house is built shall not be less than the area approved by the Ministry of Municipality and Environment.
ii. The construction area should not be less than 329 square meters
iii. The house should not be more than 10 years old, as of the date indications on the construction completion certificate.
ii. The construction area should not be less than 329 square meters
iii. The house should not be more than 10 years old, as of the date indications on the construction completion certificate.
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What services does the mobile application for Housing financing?
The application provides all the services provided by the Housing financing Department, such as:
- Applying for the financing
- Requesting and following up on payments
- Transferring the account from one bank to another
- Early settlement
- Settlement of delayed installments
- Following-up on all submitted applications
- Updating personal data
- Generating account statements
- Submission of suggestions and complaints
The App is available for Apple iOS and Android platforms.
- Applying for the financing
- Requesting and following up on payments
- Transferring the account from one bank to another
- Early settlement
- Settlement of delayed installments
- Following-up on all submitted applications
- Updating personal data
- Generating account statements
- Submission of suggestions and complaints
The App is available for Apple iOS and Android platforms.
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What should I do if I want to move to another bank (change from QDB) with a prior bank commitment at Qatar Development Bank?
To transfer the Housing loan to a different bank, the applicant must submit a new Commitment form under the name of the new bank. Once the form is received by QDB, a clearance letter is issued to the previous (old) bank.
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